Castorland, NY · Charter 21901
Q2 2008
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2008, the quarter ended June 30, 2008, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Castorland, NY · Charter 21901
Q2 2008
NIM decomposition not available for credit unions
Non-interest trend not available for credit unions
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 2007 | Q3 2007 | Q4 2007 | Q1 2008 | Q2 2008 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | -0.08% | -0.36% | 0.00% | -41.29% | 0.00% | +8 bps | |
| Return on Equity | -0.49% | -2.13% | 0.01% | -41.94% | n/a | n/a | |
| Net Interest Margin | 3.40% | 3.65% | 4.16% | 20.50% | 0.00% | -340 bps | |
| Efficiency Ratio | 102.27% | 106.08% | 100.99% | 188.23% | n/a | n/a | |
| Growth | |||||||
| Asset Growth (YoY) | 9.71% | 5.74% | -5.88% | -84.16% | -99.91% | -10,963 bps | |
| Loan Growth (YoY) | -5.30% | -13.48% | -19.34% | -100.00% | -100.00% | -9,470 bps | |
| Share Growth (YoY) | 12.36% | 8.31% | -6.92% | -100.00% | -100.00% | -11,236 bps | |
| Asset Quality | |||||||
| Delinquent Loans / Loans | 1.38% | 0.00% | 0.00% | n/a | n/a | n/a | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 1.68% | 1.68% | 1.68% | n/a | n/a | n/a | |
| Capital | |||||||
| Risk-Based Capital | 16.11% | 16.73% | 18.04% | 98.46% | 0.00% | -1,611 bps | |
| Net Worth / Assets | 16.11% | 16.73% | 18.04% | 98.46% | 0.00% | -1,611 bps | |
| Liquidity & Funding | |||||||
| Loans / Shares | 34.10% | 32.93% | 32.35% | n/a | n/a | n/a | |
| Liquid Assets / Assets | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |